ZIP Code 10922 — Fort Montgomery, New York

The median home in 10922 is valued at $381,500 against a median household income of $88,516, a price-to-income ratio of 4.3. That is above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and past the 3.0 ratio that marks an attainable market nationally, though it is among the more attainable ratios in the state. Within Orange County, 10922 ranks 35 of 38 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.4. Renting takes 19.0% of median household income (median rent $1,403 a month), under the 30% cost-burden threshold.

10922 ranks 617 of 1,572 statewide on median household income and 490 of 1,572 on median home value; its income is below the $105,400 Orange County median. 53% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 29% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 3.7%, far below the 9.9% statewide ZIP median and among the lowest in the state.

With 510 residents per square mile across 2.1 square miles of land, 10922 is far denser than the statewide ZIP median of 197 (rank 602 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.